to transfer funds from one account to another using a few details: card number, namethe recipient and the sender, the name of the bank and so on. d. The good news is that not all the data you need to know for the majority of transactions.For example, to transfer funds from one card to another within the same bank is sufficient to indicate only the number of plastic.Another thing, if the transaction is between credit institutions.Then you must specify the BIN.What and where to find it, read on this article.
Determination
Bank Identification Number (BIN) - this is the first 9 digits of the card.It is used to determine the credit institution in the payment system is based on standards of the Central Bank.With BIN can be found:
- type of payment system (ICS);
- issuing bank cards;
- type: credit or debit;
- view: Maestro, Electron, Classic, Gold, Standard, Platinum.
That's what BIN.Readers in the identification process the data from the magnetic stripe and chip.They are used to transmit information to the payment details, one of which is BIN.What important trade institutions can learn?They get the information from the card to keep track of transactions by type of payment instruments and their types, holders.This reading method significantly speeds up the process of information processing, reduces the risk of fraudulent transactions.That's what the card BIN "Oschadbank."
Value data
code information can be found in the public domain.But there it is rarely updated, and often displays incorrect data.In addition, banks do not believe BIN important props.So do not keep track of the correctness of its use.In Russia, a big difference between debit and credit cards did not exist.But in the US or the EU percentage of the commission, which is paid by the recipient, is very different.Because some stores put stringent requirements on the type of payment instrument.
Explanation BIN
What is the first digit in the code?She is the type of payment system:
- 3 - American Express;
- 4 - Visa;
- 5 - MasterCard;
- 6 - Maestro;
- 7 - UEC.
But this is only in theory.For MasterCard identification codes are used in the range of 50-55.In Australia and New Zealand since 2006, the system works Bankcard numbered 5610, 56021-56022.Another example: American Express Japan Credit Bureau for the allocated codes 34, 35 and 37. While the social card Maestro, issued by Sberbank of Russia, beginning with 6390, and a gold Visa - from 4276.
third and fourth digits indicate the territory within the state.For Russia, this classification takes OKATO.Cards issued capital branch of the Savings Bank, will contain the code 45, and the agency Saint Petersburg - 40. The fifth and sixth digits shall inform conditioned guestrooms particular unit for the calculations of the Central Bank.It can range from 00 to 99. The last three numbers in the Bike coincide with similar data in the correspondent account (it consists of twenty digits).They range from 050 to 099. For the CSC, which is carried out by the Bank of Russia, it looks like the value "000".To head the design center - "001".For the branches of the Central Bank of the Russian Federation, the structural units of the Bank of Russia - "002".That's what BIN payment card.
Why all this information the average user?There is no need.In most situations.But if a person is going to pay for goods in a store or online book services (hotel room, tickets, rent and so on. D.) A foreign site, it is better to know in advance what the BIN maps and where to find it.
Option one: on the front side plastic
BIN As a part of the card number, then you can learn by looking at the payment instrument.On the front side there numbers 15-19 which are applied with paint or by extrusion.This is the number.It usually contains 16 digits (4 blocks of 4 digits), 19 are used in other payment instruments that are issued as part of the client's account, 15 - in the American Express.What BIN cards?This is the first 9 digits.The rest contain information about the type, currency, region, and so the issue. D. Last, the sixteenth, a verification number, that determines the "correctness" of the card number.
Option two: contact the bank branch
Sometimes the map indicates not the 16 digits, only the first or the last four.In such a case, to learn BIN, you need to call the hotline, to dictate the name, card number, code word.The same information will request when you visit a bank branch.But then you have to stand in line, and employee identification.If you still have a piece of paper with a PIN or a contract to the map, the code can be viewed there.
Option Three: via mobile or Internet banking
This method is suitable only cardholders Sberbank.On the "Personal Account" at the establishment you must select the desired payment instrument, go to the section "Details".There will be specified personal account and branch code (nnn / nn).For the latest information you need to copy and paste in the search box on the home page.The map appears with the full separation of the institution details.So you can find out the BIC card recipient.But this method has its drawbacks.Internet traffic through overseas mobile phone will be costly.Therefore, in order not to waste time searching for an Internet cafe, it is better to know in advance the BIC card.For example ...
Through ATM
This method is also available to cardholders Sberbank.You must insert the plastic in "native" ATM, enter your PIN, go to the section "My payments" - "Details" and view all of the data card.
The bottom
One of the details that is used to transfer funds between cards is the bank number.What BIN card recipient?This is a nine-digit code that identifies the credit institution that issued the plastic payment instrument.It is found at the beginning of the card number.To perform standard operations is not required.But if you want to pay for goods online or to transfer funds to a recipient in another bank, you will need to know in advance the number of BIN.What is important contains the code?Card type, type of payment system, the name of the issuing banking institution.Learn it can be by calling the hot line or contact the bank branch.Using publicly available databases is not recommended, because the information in them is rarely updated.
